Karl Kim is a CFP® with 38 years of industry experience, currently serving at Integrity Alliance, LLC since 2020. He previously worked at Triad Advisors, Inc. for 14 years and has been involved with Retirement Planning Advisors, Inc. since 2002. Outside of advisory work, Kim owns a Medi-Cal eligibility service business and serves on the board of Keiro Kikyo Home, a care facility. Integrity Alliance supports a diverse client base including individuals, charitable organizations, corporations, and retirement plans through 164 independent advisers. The firm offers comprehensive asset management, financial planning, and retirement consulting, utilizing both advisor-managed and model-based portfolio strategies across various investment vehicles and platforms.

Savitri Pai is a financial advisor with Capital Group Private Client Services, Inc. in Los Angeles, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. Her prior experience includes roles at J.P. Morgan Chase Private Bank and Capital Bank & Trust Company. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, employing a multi-manager approach that emphasizes fundamental research and a long-term investment horizon. The firm implements portfolios through separately managed accounts, mutual funds, ETFs, and private equity or alternative strategy funds.

Hannah Sullivan is a CFP® professional with seven years of experience in financial planning and advisory roles. She is currently with J.W. Cole Advisors, Inc., where she has worked since 2022, following prior experience at Lincoln Financial Advisors. Outside of her advisory work, Sullivan serves as Secretary for Orange Blossoms, an auxiliary group that raises funds for women and children in need, and is a board member of the Community Foundation of Orange, a nonprofit focused on local charitable initiatives. J.W. Cole Advisors operates a large network of independent advisors offering fee-based portfolio management, financial planning, and retirement plan services to individuals, high-net-worth clients, and institutions. The firm employs a range of discretionary and non-discretionary management strategies and provides access to multiple investment platforms and third-party managers.

Chih Tao Ma is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Cetera and Cathay Bank. He is also a licensed insurance agent offering insurance sales and services outside of his work at Independent Financial Group. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, financial planning, and retirement plan services, delivering advisory programs through multiple platforms and a national network of Investment Adviser Representatives.

Kamron Nahavandi is a financial advisor with Money Concepts Capital Corp in Placentia, CA, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. His prior roles include positions at MassMutual, The Prudential Insurance Company of America, and Fit Strategic Advisors LLC. He is also involved with FIT Planning Group, offering fixed and indexed insurance products. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation approaches and operates alongside its broker-dealer and insurance businesses, offering clients access to a wide range of proprietary and third-party investment programs.

Frank Messano III is a financial advisor with Private Advisor Group, LLC, holding Series 66 and Series 63 credentials and 19 years of industry experience. His prior roles include positions at LPL Financial LLC, Strategic Wealth Advisors Group, and First Financial Equity Corporation. Outside of advisory work, he operated the 3D Studio Gallery for 16 years. Private Advisor Group serves a diverse client base, including individuals, business entities, trusts, estates, and charitable organizations, providing portfolio management, financial planning, and retirement-plan consulting. The firm offers a range of advisory programs supported by third-party asset managers and a proprietary WealthSuite separately managed account platform.

Rachel Melroy is a CFP® professional with 16 years of industry experience currently serving at Capital Group Private Client Services, Inc. in Los Angeles, CA. She previously worked for Capital Bank and Trust Company for five years before joining her current firm in 2021. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, utilizing a multi-manager approach known as the “Capital System” that emphasizes fundamental research and long-term investment horizons. The firm offers access to separately managed accounts, mutual funds, ETFs, and certain private-equity and alternative strategy funds.

Kathleen Zwickl is a financial advisor at Centaurus Financial, Inc. in Anaheim, CA, with 14 years of industry experience. She holds a Series 66 credential and has been with Centaurus since 2015. In addition to her advisory role, Kathleen provides life and legacy coaching focused on helping individuals and families uncover their gifts and preserve wealth across generations. Centaurus Financial, Inc. delivers advisory and brokerage services to a diverse client base including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing both discretionary and non-discretionary arrangements.

Neeraj Patel is a Series 65-credentialed financial advisor with 15 years of industry experience. He is currently with Capital Group Private Client Services, Inc., where he has worked since 2021, following five years at Capital Bank And Trust Company. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations. The firm uses a multi-manager approach called the “Capital System,” combining fundamental research and long-term portfolio segmentation across separately managed accounts, mutual funds, ETFs, and alternative investments.

Osvaldo Cisneros is a financial advisor at Centaurus Financial, Inc. with five years of industry experience. He holds the Series 66 designation and has worked at Centaurus Financial since 2020, with prior roles at Pruco Securities LLC and the University of California, Irvine. Outside of his advisory work, he owns an online blog called Socratic Speech and a related podcast named I Think, Therefore I Pod. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm provides financial planning and portfolio management services through its CLASSIC Plus platform, employing both discretionary and non-discretionary investment arrangements with varied analytical approaches.

John Nguyen is a financial advisor with Money Concepts Capital Corp, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked with several firms, including FIT Strategic Advisors LLC and Crown Capital Securities, L.P. Outside of his advisory role, Nguyen serves as president and CEO of J & N Partnership Financial, focusing on life insurance and tax planning, and is a board member of the nonprofit Youth Leadership American. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm manages approximately $3.33 billion across about 14,700 clients using a variety of managed programs, combining model portfolios, adviser-designed portfolios, and third-party sub-advisers with both discretionary and non-discretionary account structures.

Syauching Hung is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and 22 years of industry experience. He has been with Independent Financial Group since 2015. Outside of his advisory role, he is an independent contractor for JC Planning, involved in the sale of insurance products. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers a range of investment advisory programs and financial planning services, utilizing both in-house and third-party model portfolios tailored to various risk profiles.

Regina Frias is a financial advisor at Centaurus Financial, Inc. with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Vanderbilt Financial Group and Prosperity Builders, Inc. In addition to her advisory role, she serves as a marketing representative for a legal services network focused on educating clients about living trusts and advanced estate planning. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management, and retirement-plan consulting through a variety of discretionary and non-discretionary arrangements utilizing both fundamental and technical analysis.

Jerome Duhovic is a financial advisor with Centaurus Financial, Inc. and Pacific Point Securities, LLC, holding a Series 63 credential and 32 years of industry experience. He also works as a marketing and training consultant for non-investment-related firms. Centaurus Financial serves a wide range of clients, offering advisory and brokerage services with a mix of discretionary and non-discretionary portfolio management, employing various analytical approaches and providing specialized financial planning and retirement consulting.

David Salgado is a financial advisor with Eagle Strategies (NY Life) based in West Covina, CA. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. His career includes roles at Elevate Legacies Wealth & Insurance Solutions and NYLIFE Securities LLC. Outside of his advisory work, he is appointed as an insurance broker for non-registered insurance products with outside carriers. Eagle Strategies serves a broad client base including individuals, defined contribution and benefit plans, and corporate and charitable clients. The firm offers financial planning, investment management, and retirement-plan advisory services, with a focus on tailored recommendations and a predominance of non-discretionary asset management.

Connie Jensen is a financial advisor with Transamerica Financial Advisors in Brea, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and is also involved with GNEST Corporation, where she serves as vice president. Additionally, Jensen has experience with companies such as Inheritguard, LLC and Elite Exclusive Escrow, Inc. Transamerica Financial Advisors serves a diverse client base including individual investors, trusts, estates, and corporations, offering both advisory and broker-dealer services. The firm utilizes proprietary and third-party model portfolios and provides a range of program options, including discretionary management and commission-based products.

Michael Mullen Jr. is a financial advisor at Centaurus Financial, Inc. with 13 years of industry experience. He holds a Series 66 designation and previously worked for SEI Investments Management Corp and SEI Investments Distribution Company for ten years. Mullen is involved with SPIVAK FINANCIAL GROUP, a non-investment-related business used for branding purposes. Centaurus Financial, Inc. provides advisory and brokerage services to a wide range of clients, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing a blend of fundamental and technical analyses and both discretionary and non-discretionary arrangements.

Hubert Crawford is a financial advisor with Empower Advisory Group in Diamond Bar, CA, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. His prior work includes roles at GWFS Equities, Inc., NYLIFE Securities LLC, and New York Life Insurance. Crawford serves as a volunteer director for the Southwest Council Fly Fishers International and is on the Alumni Association Board of Directors at California State Polytechnic University Pomona. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors, their participants, and retail IRA and brokerage account holders. The firm’s integrated approach combines proprietary and third-party methodologies focused on long-term portfolio returns and client savings rates within plan lineups selected by sponsors.

Ralph Heckert is a financial advisor at Capital Group Private Client Services, Inc. in Los Angeles, CA, with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Capital Group Private Client Services since 2021, following five years at Capital Bank and Trust Company. Outside of his advisory work, he is a financial investor with a 50% ownership stake in a safety shoe business. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, employing a multi-manager "Capital System" and a long-term investment approach focused on fundamental research. The firm offers access to separately managed accounts, affiliated funds, and alternative strategy funds, serving a range of clients including corporate and pension plans.

Sisung Noh is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Independent Financial Group since 2016 and also serves as the owner of a CPA practice, Sisung Noh, CPA, Inc., which specializes in tax preparation, accounting, and bookkeeping. Independent Financial Group is a large advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm provides a range of investment advisory programs, financial planning, and retirement plan services, utilizing both in-house and third-party investment models across various client risk profiles.